Using Your Employer-Sponsored Health Insurance at Meliva
At Meliva, you can use your employer-sponsored health insurance regardless of the insurance provider. We explain how employer-sponsored health insurance works and how you can use it as an employee.
What is Employer-Sponsored Health Insurance?
Employer-sponsored health insurance is a voluntary health insurance benefit that helps employees access healthcare more quickly and covers medical expenses according to the terms of the insurance plan. It complements Estonia’s national health insurance system.
Services covered by employer-sponsored health insurance may include family medicine, specialist care, mental health services, dental care, vaccinations, and more. Coverage, reimbursement limits, and deductibles vary depending on the insurance provider and policy. Before booking an appointment, we recommend reviewing the services, limits, and reimbursement conditions included in your plan.
Meliva has cooperation agreements with ERGO, PZU, If, and Seesam. If your employer-sponsored health insurance is provided by one of these partners, billing is simple: you only pay the applicable deductible at the clinic, and we handle the remaining settlement directly with the insurer.
If your insurance is provided by another insurance company, you will usually need to pay for the service in full at the time of your visit. You can then submit a claim together with the required medical documents and invoice to your insurer for reimbursement.
Employer-Sponsored Health Insurance at Meliva
How to Use a Meliva Partner’s* Employer-Sponsored Health Insurance?
Review your insurance coverage
Check which services are covered, your reimbursement limits, and any deductibles that apply.
*Meliva has cooperation agreements with ERGO, PZU, If, and Seesam.
Start with the Digital Clinic or book an appointment
Consult a Digital Clinic doctor, contact customer support, or book an appointment online.
Attend your appointment
Bring your identification document and let us know which partner insurance provider you use.
Pay the deductible
You only pay the applicable deductible. Meliva will handle the remaining settlement directly with the insurance provider.
Start with the Digital Clinic
How to Use Health Insurance from Another Insurance Provider?
Review your insurance coverage
Check which services are covered, your reimbursement limits, and any deductibles that apply.
Start with the Digital Clinic or book an appointment
Consult a Digital Clinic doctor, contact customer support, or book an appointment online.
Attend your appointment
Please bring an identification document with you and pay for the service in full at the clinic.
Submit an insurance claim
Keep your invoice and any required medical documents and submit them to your insurance provider according to their claims process.
Example: Using Another Insurance Provider’s Health Insurance at Meliva
You have a Confido Health Plan (LHV health insurance) and would like to visit Meliva.
- You choose a suitable service and book an appointment online, by phone, or through the Digital Clinic.
- At your appointment, you pay the full cost of the service.
- Meliva provides you with an invoice and any necessary supporting documents.
- You then submit a claim to your insurance provider according to their reimbursement process.
- If the service is covered under your policy, reimbursement is typically paid within a few days, depending on your insurance provider.
Why Choose Meliva?
Meliva offers fast, convenient, and flexible access to healthcare. We provide a comprehensive range of healthcare services in one place – from family medicine and specialist care to dental services, mental health support, occupational health, and Digital Clinic services.
We take a holistic approach to both physical and mental wellbeing. Our healthcare professionals support patients across Estonia through a network of 22 clinics and our Digital Clinic.
Our high patient satisfaction (NPS 88) reflects the caring and personalised approach valued by our patients. High-quality care is delivered by experienced specialists supported by modern medical technology and evidence-based treatment practices.
Our Patients Recommend Us
The NPS indicator provides information about customer loyalty and can be any number between -100 and +100. An NPS index is considered excellent if it is above 50.
The booking system was convenient! I wouldn’t have expected Rävala Clinic to look like this. The doctor was very helpful! I liked that I could sit comfortably while waiting to be called, rather than having to walk around the corridors.
I have visited the clinic several times, and everything has always gone smoothly. It’s nice to feel that you are being listened to.
Still have questions? We’re happy to help!
Phone number: 1525, weekdays 8.00–18.00
E-mail: klienditugi@meliva.ee